Life insurance is a smart way to assure the financial protection of your loved ones, should anything happen to you. But if you're one of those smokers who are easy targets of death, prepare to be charged more. Insurance firms treat any smoker fairly, doesn't make a difference if you're occasional or heavy. Should you have that occasional smoke on a weekend, you are still just as much a financial liability as the heavy smoker who goes through a pack or two a day.
If you've smoked even one cigarette, cigar or used a smoking pipe in the last twelve months, you are considered a smoker. Individuals who chew tobacco or use nicotine patches still get into the category. Which means you only have to face the truth that you will be having to pay more insurance premiums if you're guilty of the deed no matter how small it is.
The financial consequences of smoking go further than the money spent to purchase your cigarettes. Atop those health hazards, you've still got higher cost of life assurance you have to stress about. However, you may have the means to get cheap life insurance quotes from insurance firms. The following will show you how.
Quit Smoking - It is indeed a tall order, however that's what must be done to reduce life assurance quotes. If you're able to gather the determination to stop smoking fora year, you will be able to fall under the non-smoker category and for that reason, you will pay less. If you were to compare the life insurance quotes of smokers and non-smokers, you'd spot the difference in monthly premiums. So giving up may be hard, however it is the easiest way to lessen on expenses.
Life insurance coverage quotes - Try to keep from Applying Right after Quitting - If you have not smoked in at least 2 years, the firm is able to consider you less of a liability. You may be allowed to avail of a regular life assurance coverage. It's been published in researches that after a productive therapy, the lung tissue will totally heal five years after. So for your physical and financial interests, it's with great reassurance that you sign-up for a regular policy by then. This also helps erase the accustomed aphorism "once a smoker always a smoker" from the minds of assurance firms.
Widen your Life Insurance Lookup - For all those hard-core smokers who simply can't seem to quit, their only option is to search hard for cheap life assurance quotes. You can pay a visit to trusted assurance providers in your area and compare quotes. Search the net for reputable insurance firms within your town. In fact there are some agencies who let you calculate personalized quotes on the internet. Company websites are everywhere, you just need to choose the right ones.
Smoking is a dangerous habit that can prove detrimental to your wellbeing in the long run. Find it within yourself to resist the habit for the sake of your family and their future. In case all attempts are to no avail, it's then to better invest in a life assurance coverage that will take care of you in less expensive ways possible.
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